San Luis Obispo, CA

Insurance Information

Important information about San Luis Obispo, CA.

San Luis Obispo, CA is a city in California which is located about halfway between San Francisco and Los Angeles. The city is referred to as “SLO” or “San Luis”. As of 2006, the population was 42,953. The city was founded in 1772 and is one of California’s oldest communities.

San Luis Obispo, CA

Health Care & San Luis Obispo, CA Health Insurance

According to the Environment Protection Agency (EPA), the air quality in San Luis Obispo, CA has a score of 31 on a scale of 100 (higher being better). The water quality is 30 on a scale of 100 (USA average is 55). There are 241.2 physicians per capita in San Luis Obispo, which is much higher than the USA average of 169.7. For more information on San Luis Obispo Health Insurance, please contact our office or fill out a free health insurance quote online.

Factors that influence San Luis Obispo, CA Auto Insurance Rates

One thing that affects your insurance rates is the geographic area that you live and drive in.

In San Luis Obispo, there were only 2 fatal car accidents in 2008. This particular accident involved a pedestrian. San Luis Obispo falls below the California State average of fatal accidents per 100,000 population.

San Luis Obispo residents drive their cars frequently. A majority of residents drive alone to work (70%), 10% carpool, 3% take public transit and 5% work from home. The average commute time to work is 16.5 minutes (USA average = 27.4 minutes).

In San Luis Obispo, 5.1% of households do not own a car. 34.4% own 1 car, 39.5% own 2 cars and 21% own 3 cars or more.

To find out exactly what you would have to pay for auto insurance in San Luis Obispo, please fill out one of our free online auto insurance quote forms.

Do you Need Renters Insurance in San Luis Obispo, CA?

In San Luis Obispo, 58% of residents are renters. It is very important to make sure your contents are covered if you are a renter. Usually renters insurance is very inexpensive coverage. The median rent paid in San Luis Obispo is $1,005/month. To find out how you can get renters insurance coverage, please fill out one of our free online renters insurance quote forms.

Factors that affect San Luis Obispo, CA Home Insurance rates

Sometimes the weather of a particular region can affect home insurance rates. For example, houses near the ocean are priced higher due to higher changes of floods. Similarly, areas with more temperate weather conditions are not exposed to those risks and may have more affordable home insurance rates. California currently ranks 7th out of all states for the highest home insurance rates (1 being the highest).

San Luis Obispo has a Mediterranean Climate. It has an average of 29 days of rain a year which mostly occur during winter months. It gets 21 inches of rain each year, which is lower than the US average of 37. This means residents may not be as prone to issues like flooding when compared to other areas. There are 287 sunny days in San Luis Obispo per year and in July, the temperature usually reaches a high of 74 degrees. The low in January is 44 degrees.

Another thing that affects home insurance rates is the value of the home that you are insuring. In San Luis Obispo, the median house value is $669,734. This is higher than the California average of $532,300.